作为全国总工会牵头、各级工会组织实施的一项惠民工程，职工互助保障旨在构建多层次社会保障体 系，在基本医保的基础上为职工提供补充保障。该保障实行省级统筹、市州经办，通过单位工会统一组 织参保。职工个人自愿缴费25元至百余元不等，即可选择涵盖30余种重大疾病及住院病种的6项保障计 划，在医保报销后对自付合规费用申请二次报销。 为职工健康"加码" ——白银市推进职工互助保障提质增效 新甘肃·甘肃日报记者 夏丹丹 "这笔钱让我真切感受到'娘家人'的温暖！"白银铜城集团商业管理有限责任公司信息员王小娟（化名） 激动地说。 2025年，甘肃省总工会牵头实施"万名新就业形态劳动者关心关爱行动"，王小娟获赠专项综合互助保障 保险。当年6月，她在体检中被查出恶性肿瘤，住院治疗花费6.5万余元，经医保报销后个人仍需要承担 3.7万元。正当她为后续费用发愁时，单位工会干部主动告知，其获赠的专项保障计划覆盖恶性肿瘤， 并协助她准备材料。 在白银市总工会经办人员"一对一"指导下，王小娟提交申请后，5万元重大疾病休养康复互助金和1453 元住院补助互助金迅速到账。 王小娟的经历是白银市职工互助保障服务成效的一个缩影。 责任编辑：郭林玉 ...

Core Viewpoint - The implementation of employee mutual assistance insurance in the province is aimed at improving the welfare of workers and enhancing social stability, with significant participation and funding achieved this year [1][2] Group 1: Employee Mutual Assistance Insurance Overview - A total of 1.72 million employees have participated in the mutual assistance program this year, with 25,000 employees receiving a total of 35 million yuan in mutual assistance funds [1] - The program, organized by labor unions, allows employees to voluntarily contribute 80 yuan annually to access up to 100,000 yuan in reimbursement for medical expenses, referred to as "union secondary medical insurance" [1] Group 2: Implementation and Achievements - The provincial labor union has prioritized the advancement of employee mutual assistance insurance as one of the key initiatives for improving people's livelihoods this year [1] - In Linyi City, the local labor union has adopted a "number one project" approach to effectively promote mutual assistance insurance, achieving a 260% completion rate of the annual plan by engaging various levels of labor unions [2] - As of now, Linyi City has 659 insured units and 75,861 insured employees, exceeding the annual plan by 113% [2] Group 3: Future Directions - The provincial labor unions will focus on expanding coverage, improving quality, and increasing efficiency in the mutual assistance insurance program to contribute to the modernization efforts in the region [2]

Core Insights - The Liaoning Province employee mutual assistance program has expanded significantly since its launch in January last year, covering 4,732 units and benefiting 906,900 employees, with 30,800 individuals receiving mutual assistance funds totaling nearly 44.15 million yuan [1][2] Group 1: Program Overview - The mutual assistance program is organized at the provincial level, with local trade unions managing participation for employed union members, requiring a voluntary contribution ranging from 20 to over 100 yuan for various medical coverage options [1] - The program offers six types of medical coverage, including comprehensive, hospitalization allowances, special diseases for female employees, major illnesses, accidental injuries, and special accidental injury coverage for new employment forms [1] Group 2: Financial Support and Benefits - The provincial trade union has provided over 11 million yuan in financial support to local trade unions and direct units, with local unions expected to contribute nearly 7 million yuan in 2024 for the mutual assistance program [1] - The program has improved its benefits by increasing the number of allowable claims for hospitalization from two to unlimited and expanding the list of covered major illnesses from 30 to 35, along with adding 25 mild diseases [1] Group 3: Process Optimization - The provincial trade union has optimized the mutual assistance process by developing a business management system that allows for online processing of all procedures, enabling employees to submit claims through a mobile app or WeChat [2] - An expert medical review system has been established to facilitate online audits for major illness claims, ensuring efficient and accurate processing [2] Group 4: Future Enhancements - The mutual assistance program will continue to upgrade in the current year, introducing new coverage types such as short-term accidental injury insurance and increasing the compensation for accidental disability and death for new employment forms to 50,000 yuan [2]